I cant wait till DR comes in and I will be more equipped to figure this out on my own. In the mean time I appreciate the Great advise Mishka (love the name). I just checked the mail and saw that he has some loan papers that have come in from our bank. Apparently he is taking out a loan to "pay me off". I also found some unusuall charges on his Amex...(hotel and bar fees)from when I was out of the country. Up till now I knew it was a possibility that he was cheating but never reallly believed he was, but slowly Im seeing that would make so much since. So I have no idea where you are in your stuggles, do you mind briefly filling me in. I am at school now but will be home in a few hours. Thanks again for being there.